0% Down | Lower Credit Score Requirements | 30-year Fixed Rate

USDA Loan Service

Dallas, TX

Want to purchase a home without a down payment? It’s time to think rural! USDA loans are an excellent option for new homebuyers that don’t have cash for a down payment. The U.S. Department of Agriculture (USDA) offers this loan program to incentivize buyers to purchase homes in rural areas. The benefits of a USDA loan are little to no down payment, lower interest rates, and lower credit score requirements. Additionally, closing costs can be financed into the loan in some circumstances.

0% Down | Lower Credit Score Requirements | 30-year Fixed Rate

Kurv Loans USDA Loan

Our no-obligation calculators make it easy to see how much you can afford, or how much you could potentially save, with a mortgage loan from Kurv Loans.

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USDA loans are more accessible than other loan options; however, they come with unique qualifications.

What Are The Requirements For A USDA Loan?

To qualify for a USDA loan, you’ll need:

A minimum FICO ® Score of 640
An eligible property
A household income under the limit set by the USDA for the area where you want to buy a home

Common USDA Loan Questions

Which Areas Are Considered “Rural?”

You may be surprised which locations in your state qualify as rural. As home building expands out of cities, many areas that were once farmland are now bustling utopias for young families. To see which areas of your state are considered rural, view this map.

What Are The Income Limits For USDA Loans?

Income limits for USDA Loans vary by state, county, home type, and the number of residents living in the home. View the current income eligibility requirements set forth by the USDA here. A 620+ FICO score is required for a Kurv Loan USDA loan, with elite pricing starting at 640+.